Crypto.com Card vs Figo
Both Crypto.com Card and Figo clear the checkouts our readers ask about most. Here is where the two part ways on fees and verification.
Crypto.com Card issues on Visa and Figo on Visa (US BIN); both ask for ID + proof.
Crypto.com Card is the more cost-effective option for everyday spending and travel thanks to its free virtual cards, no monthly fee, 0% foreign transaction fees. Figo is the better fit for power users who need ad spend.
The head to head
| Field | Crypto.com Card | Figo |
|---|---|---|
| Card network | Visa | Visa (US BIN) |
| Card type | Crypto Card | Crypto Card |
| KYC | ID + proof | ID + proof |
| Card issuance fee | Free (entry tier); higher tiers require CRO staking | $2 (limited-time free) |
| Monthly fee | Free (no annual fee) | Free |
| Top-up fee | Free crypto top-up; ~1% for card top-up | — |
| FX fee | No FX fees on most tiers | 2% + $0.6 intl |
| Crypto funding | Yes (100+ cryptocurrencies) | Yes (USDC/USDT/PYUSD) |
| AI tool support | ChatGPT / Midjourney | — |
| Risk level | Low | Medium |
| Our rating | 9.1 | 8.2 |
| User reviews | 855 | 851 |
| Best for | AI subscriptions · Streaming | Ad spend · Streaming |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
Two cards, one decision
- Tight on fees? Crypto.com Card is the cheaper card to hold day to day.
- Crypto.com Card shows up in more of our test scenarios, so it is the safer pick when you juggle several subscriptions.
- Crypto.com Card edged Figo on our composite rating across fees, risk and merchant tests.
- Crypto.com Card carries the lower risk flag in our file, which some users prefer for a primary card.
Side by side
Both cards clear the same checkouts in our tests, so the call comes down to cost. Crypto.com Card is cheaper on issuance (free) and top-ups (a 1% top-up), while Figo is worth the premium only for ad-platform billing.
Questions people ask
That depends on what you spend on. Crypto.com Card scores 9.1/10 against Figo's 8.2/10 in our tests, but the two split on fees, KYC and crypto funding. Read the table above, then match it to the checkouts you actually run.
Crypto.com Card works out cheaper: no virtual card issuance fee, free account maintenance, 0% foreign transaction fee. Figo adds about $2 per virtual card, a 2% FX fee.
Crypto.com Card asks for ID + proof at signup; Figo asks for ID + proof. If a light sign-up is the priority, the one with the lower KYC label is the faster route.
Both show up in 1 of the same test scenarios, including Twitch. They overlap on a good share of checkouts, so the choice between them matters most on those pages. Where one is accepted and the other is not usually comes down to the billing country and 3-D Secure handling.
Where both show up
Crypto.com Card and Figo both landed in our top picks for 1 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
📺 Streaming & Entertainment 1
Their BIN ranges
Cards issued in 🇺🇸 US · 🇦🇺 Australia — the country guides group every range we track from there.
What our charge log shows
Every count here is a real charge attempt we placed on that range, renewals included, with the gateway response recorded. Weeks tracked is how long the range has been in the programme: